Policy decisions being made right now will shape homeownership for the next generation. FirstHome IQ Advocates are housing professionals who believe the people closest to buyers belong in that conversation. Publicly. Visibly.
We've partnered with the Mortgage Bankers Association to bring loan officers to Capitol Hill at the MBA's National Advocacy Conference, so first-time buyers have someone speaking for them there. This April, 60+ mortgage professionals made the trip.
Signups for next year open in September. Advocates hear first.
Sign the Pledge to hear first →
Find Advocates near you, or see who's standing up for first-time buyers in your state.
In October 2026 the Mortgage Bankers Association released Affordability in Action, a policy roadmap of near-term steps regulators can take without new legislation to lower closing costs, lower monthly mortgage and rent payments, and lower the cost of building new homes.
Every aspiring homeowner deserves a realistic path to ownership. That's the first line of the Advocate pledge, and this roadmap shows how policy can help. One example: MBA estimates that a 0.20% cut in FHA's annual mortgage insurance would save a buyer with a $400,000 loan nearly $800 a year.
Lower upfront and monthly costs: a cheaper credit report requirement for lower-risk borrowers, lower loan-level price adjustments for home purchases, lower FHA mortgage insurance and lower title insurance costs.
Simpler disclosure rules, a streamlined refinance option for qualified borrowers, a more flexible VA refinance and loan officer pay rules that let lenders match a better offer.
Less costly, less burdensome financing for rental housing through FHA and Fannie Mae and Freddie Mac multifamily programs.
More condo and new-construction financing, a modernized FHA 203(k) rehab program and support for state and local incentives to build.
Right-sized bank capital rules for mortgages and more sources of mortgage capital, so more lenders compete for buyers.
Every aspiring homeowner deserves a realistic path to ownership.
Homebuyer education should be the standard. 82% of NextGen buyers never learned financial literacy in school, and that changes through policy, through practice, and through the professionals who guide them.
Credit pathways should work for everyone, especially the communities historically left out of homeownership.
Advocacy is free, and it starts with visibility. As an Advocate you'll receive shareable, data-backed content for your market, policy updates that affect your borrowers, and campaign activations when it's time to act.
You'll also join a visible community of professionals standing up for first-time buyers, on your platform and, when you're ready, on Capitol Hill.
I stand for affordability, financial literacy, and equitable access to homeownership.
We email you the Advocate welcome pack, and it's yours to keep.
We're building a map of Advocates across the country. Whether your state has five or you'd be the first, you're part of a growing movement of professionals standing up for first-time buyers.
Want to go deeper? See the Ambassador program →